Overseas Workers Health Cover
For visa subclass 482, 485, 403, 407, 408 and more to meet visa condition 8501.
Coming to Australia to work? Or moving onto a graduate visa looking for your first job here? Medibank's range of overseas workers health covers can help with the cost of medical treatment if you have an accident or get sick.
Visa compliant for Skills in Demand visa (subclass 482) and Temporary Graduate visa (subclass 485) holders.
Medibank's Overseas Workers Health Covers are compliant for working visas with visa condition 8501, ensuring visa holders meet the requirement of maintaining adequate health insurance during their stay in Australia.
For holders of visas 188, 400, and 476 – visas that do not explicitly mandate condition 8501 - health insurance is still recommended to help protect your health and limit your financial liability for your healthcare costs while in Australia
The information about visa condition 8501, and the visa subclasses to which it applies, has been sourced from the Department of Home Affairs and is accurate as of 1 April 2025.
Why choose Medibank Overseas Visitor Health Cover (OVHC) for workers?
Navigating a new healthcare system in a new country can be difficult, we're here to help make it simple for you.
Joining Medibank means becoming part of a trusted Australian health insurance provider with over 4 million members Australia wide.
Medibank offers a range of health cover options for singles, couples and families that can help with the cost of health services and meet your visa health insurance requirements for working in Australia (including condition 8501). If you join online, you'll receive your Visa Certificate within 24 hours.
Have a medical emergency? No worries.
Most Medibank Overseas Workers Health Covers go the extra step to make sure you’re looked after. We’ll pay 100% of the cost for emergency ambulance fees^ as well as pay towards facility fees~ charged by a public hospital for attending their accident and emergency department, even if it does not lead to an admission.
Claim straight away
Unlike most health insurance providers, you’ll have no waiting periods for the outpatient services included in your Medibank Overseas Workers Health Cover. This means you won’t have to wait to get value from your cover on services like GP consultations, specialist consultations, pathology and radiology services and allied health services provided out of hospital.
Got a question? We speak your language.
Want to speak with someone in a language you’re more comfortable in? Our dedicated Overseas Health Cover customer service team has access to interpreter services in over 150 languages.
You have four levels of cover to choose from
Each one includes unlimited emergency ambulance cover.^
Live Better, get rewarded
You could earn up to $400 worth of rewards every year.+
You can earn points by tracking healthy actions or visiting a Members Choice Advantage dentist. And when you're an eligible Medibank Overseas Workers Health Cover member with hospital or extras, these points can go towards rewards from select partners such as adidas and THEICONIC, as well as select Apple products, extras limit increases or a $200 premium payment.≈
Do overseas workers need health insurance?
Whether you’re looking to gain work experience after finishing your studies, moving to Australia for your dream job, or here for a quick visit for a specialised purpose, you may need to arrange private health insurance as part of your visa application.
If you need medical attention while you’re in Australia and you don’t have health cover it can be very expensive, irrespective of whether you’re treated in the public or the private healthcare system.
While having private health insurance is a mandatory condition of many visas, it could also help pay for hospital, medical, ambulance and general health services, like dental and optical, that you may need during your time away.
Visa subclass 482
The Skills in Demand visa (subclass 482) lets an employer sponsor a suitably skilled worker to fill a position they can’t find a suitably skilled Australian to fill - usually up to 4 years. The Skills in Demand (SID) visa replaced the Temporary Skills Shortage (TSS) visa on December 7 2024.
Visa subclass 485
The Temporary Graduate visa (subclass 485) is for international students who have recently graduated from an Australian educational institution. It allows you to work in Australia temporarily after finishing your studies.
Not sure what you're looking for?
Speak to one of our friendly staff about your cover options. Call 1300 981 380 or request a call.
Need some help?
We’re here to help you choose the health cover that matches your needs while you’re in Australia.
Contact Medibank how it suits you; messaging, WeChat, in-store or by phone.
Visitor, working and working holiday (OVHC)
Speak to one of our friendly staff for sales and policy enquiries.
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Things you should know
+ Medibank Live Better Challenges & Goals Earning Policy: The participant of a Medibank Live Better Challenge or Goal may not receive Live Better points or may have their already credited Live Better points reversed in accordance with the Medibank Live Better terms and conditions. To earn Live Better points, the participant needs to properly complete 100% of the eligible Challenge according to the instructions. The number of Live Better points available for Medibank Live Better Challenges and Goals is subject to change without prior notice. The maximum number of Live Better points that each Medibank Live Better member can earn from successfully completing health and wellbeing Challenges, Goals or any Onboarding action in a calendar year is 40,000 Live Better points. To the extent of any inconsistency between this Policy and the Medibank Live Better terms and conditions, the terms and conditions will take precedence.
≈ Must be 16 years or over to register for Medibank Live Better rewards in the My Medibank app. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, and be up-to-date with premium payments. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Please choose carefully as rewards will not be amended, cancelled, exchanged or refunded due to change of mind. Points earning activities and rewards are subject to change without prior notice and may be subject to availability. Additional terms and conditions may apply to points earning activities and rewards. See full Medibank Live Better rewards terms.